| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 6330 S 3000 E STE 670 SALT LAKE CITY, UT 84121 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $0 | $32K | $32K | 0.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUECROSS BLUESHIELD UTAH EIN 87-0200138 CLAIMS PROCESSING SERVICE | Direct payment from the plan; Float revenue; Claims processing Service code 12 | 6330 S 3000 ESTE 670 SALT LAKE CITY, UT 84121 | $2.0M |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 3,169 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 7,945 | $22.0M |
| Dental | REGENCE BLUECROSS BLUESHIELD OF UTAH | 7,945 | $22.0M |
| Vision | REGENCE BLUECROSS BLUESHIELD OF UTAH | 7,945 | $22.0M |
| Prescription drug | REGENCE BLUECROSS BLUESHIELD OF UTAH | 7,945 | $22.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,945 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.